First Security Bank & Trust Company in city_name, state_name

First Security Bank & Trust Company in Norton, Kansas (KS)
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First Security Bank & Trust Company routing number info

First Security Bank & Trust Company - Overview

General
FDIC Certificate #: 4741
Status: Active
Federal Reserve ID: 393757
Bank Holding Company (Regulatory Top Holder): First Norton Corporation (RSSDID: 1845262, Location: Norton, KS)
Date Established: May 20, 1887
WWW: http://www.nbanker.net
Trust Powers Granted: Yes
Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
Offices: 2 (Domestic: 2, Interstate: No)
OTS Docket #: 52610
FDIC's unique #: 3158
Numeric code: 21
Regulator: FDIC
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Agricultural lending institution: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Agricultural Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: March 31, 2006
Last Structure Change Process Date: November 03, 2006
Last Data Update: November 03, 2006
Data Source Date: April 05, 2012
Location
Address: 201 East Main Street, Norton, KS 67654
County: Norton
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Hays
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
History of Changes
Corrections
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $61.6 mil
Equity capital: $9.1 mil
Deposits held in domestic offices: $47.9 mil
Return on assets (ROA): 0.78% ($0.5 mil)
Quarterly return on assets: 2.14% ($1.3 mil)
Return on Equity (ROE): 5.51% ($0.5 mil)
Quarterly return on equity: 14.86% ($1.3 mil)
Net income: $0.5 mil
Quarterly Net income: $0.3 mil
Pretax return on assets: 0.78% ($480.8 mil)
Quarterly Pretax return on assets: 2.14% ($1,319.2 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

Dollar figures in thousands
17Total employees (full-time equivalent)
$61,646Total assets
$2,292Cash and due from depository institutions
$32Interest-bearing balances
$18,882Securities
$9,000Federal funds sold & reverse repurchase agreements
$28,738Net loans & leases
$1,130Loan loss allowance
$0Trading account assets
$286Bank premises and fixed assets
$466Other real estate owned
$885Goodwill and other intangibles
$61,646Life insurance assets
$1,097All other assets
$52,534Total liabilities and capital
$47,898Total liabilities
$38,098Total deposits
$47,898Interest-bearing deposits
$94Deposits held in domestic offices
2500.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$2,000Trading liabilities
$0Other borrowed funds
$136Subordinated debt
$9,112All other liabilities
$9,112Total equity capital
$9,112Total bank equity capital
$0Perpetual preferred stock
$300Common stock
$8,356Surplus
$456Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$22Income earned, not collected on loans
$0Earning assets
$500Long-term assets (5+ years)
$56,652Average Assets, year-to-date
$19,660Average Assets, quarterly
$60,221Volatile liabilities
$62,263Insider loans
$37,432FHLB advances
$61,496Loans and leases held for sale
$0Unused loan commitments
$0Tier 1 (core) risk-based capital
$7,834Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$1,163Restructured Loans and leases
$1,049Derivatives

Income and Expense (December 31, 2011)

Dollar figures in thousands
$2,771Total interest income
$463Total interest expense
$2,308Net interest income
$6Provision for loan and lease losses
-$13Total noninterest income
$0Fiduciary activities
$94Service charges on deposit accounts
$0Trading account gains & fees
-$107Additional noninterest income
$1,937Total noninterest expense
$1,138Salaries and employee benefits
$208Premises and equipment expense
$591Additional noninterest expense
$352Pre-tax net operating income
$116Securities gains (losses)
$0Applicable income taxes
$468Income before extraordinary items
$0Extraordinary gains - net
$468Net income attributable to bank
$0Net charge-offs
$468Cash dividends
-$121Sale, conversion, retirement of capital stock, net
$0Net operating income

Performance and Condition Ratios (December 31, 2011)

Dollar figures in thousands
Performance Ratios (%, annualized)
5.19%Yield on earning assets
0.87%Cost of funding earning assets
4.32%Net interest margin
-0.02%Noninterest income to earning assets
3.63%Noninterest expense to earning assets
0.58%Net operating income to assets
0.78%Return on assets (ROA)
0.78%Pretax return on assets
5.51%Return on equity (ROE)
5.51%Retained earnings to average equity (YTD only)
-0.38%Net charge-offs to loans
-4.96%Credit loss provision to net charge-offs
0.00%Efficiency ratio
84,401Assets per employee
3.63%Cash dividends to net income (YTD only)
Condition Ratios (%)
0.00%Loss allowance to loans
3.78%Loss allowance to noncurrent loans
5136.36%Noncurrent assets plus other real estate owned to assets
0.79%Noncurrent loans to loans
0.07%Net loans and leases to deposits
60.00%Net loans and leases to core deposits
63.68%Equity capital to assets
14.78%Core capital (leverage) ratio
12.74%Tier 1 risk-based capital ratio
20.93%Total risk-based capital ratio
Memoranda
$22Average assets
$60,221Average earning assets
$8,496Average equity
$53,423Average loans

Total Fiduciary and Related Assets (December 31, 2011)

Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
YesFiduciary powers granted
YesFiduciary or related activity
$52Managed Assets
1Number of Accounts
$52Personal trust and agency accounts
$42Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Investment management agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices
$10Non-managed Assets
2Number of Accounts
$0Personal trust and agency accounts
$0Employee benefit-defined contribution accounts
$0Employee benefit-defined benefit accounts
$0Other retirement accounts
$0Corporate trust and agency accounts
$0Other fiduciary accounts
$0Fiduciary accounts held in foreign offices

List of branches

2 Kansas Branches as of April 05, 2012

No	ID	Name	Address	Established	Service Type	Map
0	3158	First Security Bank & Trust Company	201 East Main Street, Norton, KS 67654	May 20, 1887	Full Service Brick and Mortar
1	895	Lenora Branch	105 South Main Street, Lenora, KS 67645	January 01, 1886	Full Service Brick and Mortar

First Security Bank & Trust Company in Norton, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank & Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Security Bank & Trust Company in Norton, Kansas (KS)Overview, Financial Summary, Detailed Financial Reports, Branches

First Security Bank & Trust Company - Overview

Assets and Liabilities (December 31, 2011)

Income and Expense (December 31, 2011)

Performance and Condition Ratios (December 31, 2011)

Total Fiduciary and Related Assets (December 31, 2011)

List of branches

Comment about this bank, ask questions, or add new information about it:

First Security Bank & Trust Company in Norton, Kansas (KS)
Overview, Financial Summary, Detailed Financial Reports, Branches